Rate of Interest on Advance

Priority Sector Advances
Agriculture and Allied Agriculture
Sl. No. Type of Advances Rate of Interest (%)
1 KCC -Crop Loan (Upto 3 lakhs) 7.00%
2 KCC-Crop Loan (Above 3 lakhs) 12.00%
3 KCC-AH & Fisheries (Upto 2 lakhs) 7.00%
4 KCC-AH & Fisheries (Above 2 lakhs) 12.00%
5 KCC (Others) 12.00%
6 Term Loan 9.25%
7 ECL-AGL 10.00%
8 SHG/JLG (Farm) 12.00%
9 CCECL-SHG 12.00%
10 Women SHG Upto 3 lakhs 7.00%
11 Women SHG Above 3 lakhs 12.00%
12 JLG (Non-Farm) 12.00%
13 Vehicle Loan-Farmer 12.00%
Small and Medium Enterprises (SME)
1 Cash Credit General 12.50%
2 Cash Credit-General CIBIL 700 & Above (Upto 50 lakhs) 11.50%
3 Cash Credit-General CIBIL 700 & Above (Above 50 lakhs and upto 100 lakhs) 12.00%
4 Cash Credit-General CIBIL 700 & Above (Above 100 lakhs 10.50%
5 Working Capital (SSI/SBF) 12.50%
6 Weaver Credit Card 12.00%
7 Term Loan (SSI/SBF) 12.50%
8 General Credit Card (GCC) 12.00%
9 Community Hall Loan 10.00%
10 Doctor Plus (CC/TL) 12.50%
11 School Plus 12.50%
12 SRTO 12.50%
13 TL-SME-ECL 10.00%
14 FITL (Funded Interest Term Loan) 12.50%
15 MRB Asset Backed Loan 12.50%
Personal Segment Loan
1 Housing Loan Priority Salaried with MRB CIBIL 800 & Above (Upto 35 lakhs) 8.75%
2 Housing Loan Non-Priority Salaried with MRB CIBIL 800 & Above (Above 35 lakhs) 8.95%
3 Homeline Housing Priority CIBIL 800 & Above (Upto 35 lakhs) 9.25%
4 Homeline Housing Priority CIBIL 750 to 799 (Upto 35 lakhs) 9.65%
5 Homeline Housing Priority CIBIL 750 to 799 (Above 35 lakhs) 9.75%
6 Education Loan 10.00%
Govt. Sponsored /Special Schemes
1 NSTFDC Indv-upto 5 lakhs 6.00%
2 NSTFDC Indv-Above 5 lakhs 8.00%
3 NSTFDC AMSY-Female 4.00%
4 NSTFDC SHG 6.00%
5 NULM individual/Group/SHG/SHG-Women (TL/CC) 12.50%
6 NHFDC Male (Upto 5 lakhs) 5.00%
7 NHFDC Male (Above 5 lakhs) 6.00%
8 NHFDC Female (Upto 5 lakhs) 4.00%
9 NHFDC Female (Above 5 lakhs) 5.00%
10 NHFDC Housing Loan-Male (Upto 0.50 lakhs) 5.00%
11 NHFDC Housing Loan-Male (Above 0.50 lakhs upto 5 lakhs) 6.00%
12 NHFDC Housing Loan-Male (Above 5 lakhs upto 50 lakhs) 7.00%
13 NHFDC Housing Loan-Female (Upto 0.50 lakhs) 5.00%
14 NHFDC Housing Loan-Female (Above 0.50 lakhs upto 5 lakhs) 6.00%
15 NHFDC Housing Loan-Female (Above 5 lakhs upto 50 lakhs) 7.00%
16 MUDRA (Shishu/Kishore/Tarun) 10.00%
17 PMEGP (CC/TL) 12.00%
18 NRLM (Upto 5 lakhs) 7.00%
19 NRLM (Above 3 lakhs) 12.00%
20 PMAY (Upto 20 lakhs) 10.75%
21 PMAY-G 10.75%
22 PM SVAnidhi 12.00%
23 JNNSM 12.75%
24 SME Standup India 12.00%
25 AC & ABC 12.00%
26 TL RSETI 10.00%

NON-Priority Sector Advances-Personal Segment
1 Housing Loan Above 35 lakhs (Salaried) 10.25%
2 Housing Loan Above 35 lakhs (Salaried) CIBIL Score 750 & above 9.25
3 Housing Loan Above 35 lakhs (Non-Salaried) 11.75%
4 Housing Loan-Non priority salaried with MRB CIBIL 800 & above 8.95%
5 Homeline 0.50% above existing Home Loan rate
6 Personal Loan Salaried with MRB 12.50%
7 Personal Loan Salaried with Other Bank 13.50%
8 Personal Loan Salaried with MRB CIBIL 700 & above 10.75%
9 PTL-Samagra Shiksha 12.50%
10 Provisional Employee salaried with MRB 11.50%
11 Festival Loan-Public 13.00%
12 Car Loan Salaried with MRB 11.50%
13 Car Loan Salaried with MRB CIBIL 750-799 9.25%
14 Car Loan Salaried with MRB CIBIL 800&above 9.00%
15 Car Loan Non-Salaried 12.25%
16 Two wheeler Loan Full checkoff 10.25%
17 Two wheeler Loan Full No checkoff 11.00%
18 Demand Loan/OD against TDRs 1% above TD rate
19 Pensioner Loan-Public 10.00%
20 Pensioner Loan-MRB Pensioner 8.00%
21 OD-SBOA/Public/Landlord/Govt Salary 13.00%
23 TL-Covid 19 10.00%